Health Reimbursement Arrangement

A Health Reimbursement Arrangement (HRA) offered by your employer through Independent Health gives you more control over health care purchase decisions by:

  • Helping to pay for eligible expenses
  • Giving you online information and tools that help you monitor your account to take advantage of your HRA dollars
  • Providing the convenience and flexibility of the Innovations Visa® debit card for purchases (if applicable) – which means no extra paperwork

How It Works

Although HRA plan features vary among employers, here are the basic elements:

  • Your employer establishes an HRA account that you can use to help pay for any covered expenses during the plan year.
  • HRAs are employer-funded only. You are not able to contribute to an HRA.
  • Your employer establishes what expenses are covered under your HRA.

How might an HRA work for you?

See the following example:
Your company provides you with a Health Reimbursement Arrangement that includes a $1,000 employer-contributed fund, which you may use towards your $1,000 medical deductible only.

Your medical deductible:  $1,000
  Using your HRA Non-Eligible Expenses
Your initial fund balance contributed by your employer $1,000  
Physician’s office - sick visit $150  
Emergency room visit $700  
Prescription copays   $250
Dentist’s office - cleaning   $200
Your remaining deductible $150  
These costs and plan features are for example and may not reflect your actual experience



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